Scotiabank ESG and Financial Performance Update
Canadian Retail: Loans and Provisions'
0 0
MORTGAGES
AUTO LOANS
89
78
39
37
41
39
50
63
65
45
35
01 01
1
31
1
(6) (4) (5)
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
LINES OF CREDIT 3
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
CREDIT CARDS 5
380
357
288
312
244 267
268
234
81
33
41
48
51
48
60
36
204
45
56
58
32
28
(8)
(6) 10
241 240 246
116
(84) (55) (59)
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
PCL as a % of average net loans (bps)²
Loan Balances Q2/23
Spot ($Bn)
% Secured
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
PCLs on Impaired Loans as a % of average net loans (bps)²
Mortgages
$300
Auto Loans
Lines of Credit³
Credit Cards
Total
100%
$42
100%
$35
$7
$386
64%
2%
95%4
1Includes Wealth Management; 2 Refer to page 54 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an
explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit; 484% secured by real estate;
11% secured by automotive; 5 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps
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